Make an appointment
Make an appointment Call now

Paying rent promptly increases your chances of getting a mortgage

For many first-time homebuyers, it's a frustrating experience. Their current rent is higher than the mortgage they would have to pay for a similar home. Yet, they're unable to get a mortgage because banks apply strict regulations. Perhaps you're in the same situation? There's hope, because this could change in 2018, thanks to the Nibud (National Institute for Family Finance Information).

Calculate your maximum mortgage payment

The Nibud (National Institute for Family Finance Information) has done some calculations and established new standards. The institute has calculated that a buyer has to pay 1.4 percent of the property's value in additional costs on top of their monthly mortgage payments. Based on this, the maximum mortgage payment can be calculated by subtracting this 1.4 percent from the monthly rent you currently pay. This would give banks a way to also consider regularly paid rent when assessing a mortgage application. After all, you have proven you can afford a mortgage payment of that amount.

The decision remains with the bank

Whether you actually get the mortgage depends on the bank. Some banks are more willing to grant loans for home purchases than others. Therefore, it's advisable not to give up on the first rejection. A subsequent visit to the bank might yield a positive result. The condition of your new home is also important. Is it well-maintained or newly built? Then the expected costs will be lower than if, for example, your potential home has an old roof.

More mortgage opportunities with a building inspection

For a mortgage application, the bank wants to know as much as possible about the property being financed. A building inspection provides all the ins and outs of the condition of your prospective home. 

Would you like to make an appointment for a building inspection?

The cost of a building inspection (up to 250 m²) is only €489 including VAT. We'll conduct a comprehensive building inspection and you'll receive a building report. Do you have any questions? We're happy to help and can schedule an appointment with an expert inspector right away if you wish!

Make an appointment

Recent articles

Een laptop geopend met de website funda
blog
04 June 2026
7 signs of foundation problems during a viewing
Are you buying a home? Then naturally, you don't want to overlook any hidden defects. Foundation problems are among the most costly defects a home can have, with repair costs that can run into tens of thousands of euros. Fortunately, signs indicating foundation damage or subsidence are often visible during a viewing. In this article, we discuss seven important features to look out for before making an offer.
Fundering
blog
02 June 2026
Foundation problems in homes: risks, repair costs, and investigation
Foundation problems are a growing issue in the Netherlands. Due to soil subsidence, drought, and fluctuating groundwater levels, an increasing number of homes are experiencing subsidence and foundation damage. For homeowners and prospective buyers, this can have significant financial consequences. But which homes are most at risk? What does foundation repair cost? And how can you recognize or investigate foundation problems before purchasing? In this article, you will read everything you need to know about foundation problems in the Netherlands.
WhatsApp Image 2026-04-09 at 14.20.19
blog
09 April 2026
New valuation report includes a foundation assessment
As of April 1, 2026, the new Residential Property Valuation Report model applies in the Netherlands, in which foundation assessment plays a much larger role. This has direct consequences for buyers, sellers, and appraisers. Homekeur conducts foundation risk assessments in accordance with the new legislation.

Back to list